The first step is to meet the bank/HFC of your choice. At this meeting you will find out important aspects like, whether or not the house property is approved by the bank, an estimate of the loan value you can get, documents required to apply for the home loan. The next step is to gather all documents required for the home loan application. The basic set of documents required is: Customer details or KYC documents, Income documents, Property documents. It will take you some time to gather all the documents for home loan. Once all the documents are ready, you have to submit the documents, home loan application and a cheque for the processing fees.